HCB Financial Past Earnings Performance

Past criteria checks 5/6

HCB Financial has been growing earnings at an average annual rate of 20.6%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 10.3% per year. HCB Financial's return on equity is 15.2%, and it has net margins of 27.2%.

Key information

20.6%

Earnings growth rate

21.5%

EPS growth rate

Banks Industry Growth	11.2%
Revenue growth rate	10.3%
Return on equity	15.2%
Net Margin	27.2%
Last Earnings Update	30 Sep 2024

Recent past performance updates

No updates

Recent updates

No updates

Revenue & Expenses Breakdown

How HCB Financial makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:HCBN Revenue, expenses and earnings (USD Millions)
Date	Revenue	Earnings	G+A Expenses
30 Sep 24	21	6	12
30 Jun 24	21	6	12
31 Mar 24	20	6	12
31 Dec 23	20	5	12
30 Sep 23	19	5	11
30 Jun 23	18	4	11
31 Mar 23	16	3	11
31 Dec 22	16	3	11
30 Sep 22	15	3	10
30 Jun 22	14	2	10
31 Mar 22	14	3	10
31 Dec 21	14	2	10
30 Sep 21	15	3	10
30 Jun 21	15	3	10
31 Mar 21	14	3	10
31 Dec 20	14	3	10
30 Sep 20	13	2	9
30 Jun 20	13	2	9
31 Mar 20	13	2	9
31 Dec 19	13	2	9
30 Sep 19	13	2	9
30 Jun 19	13	2	9
31 Mar 19	13	2	9
31 Dec 18	13	2	9
30 Sep 18	13	2	9
30 Jun 18	12	2	9
31 Mar 18	12	2	9
31 Dec 17	12	2	9
30 Sep 17	12	2	8
30 Jun 17	12	2	8
31 Mar 17	12	2	8
31 Dec 16	11	2	8
30 Sep 16	11	2	8
30 Jun 16	11	2	8
31 Mar 16	11	2	8
31 Dec 15	11	2	8
30 Sep 15	11	2	8
30 Jun 15	11	2	8
31 Mar 15	11	2	8
31 Dec 14	11	2	8
30 Sep 14	10	1	7
30 Jun 14	10	1	7
31 Mar 14	10	1	7

Quality Earnings: HCBN has high quality earnings.

Growing Profit Margin: HCBN's current net profit margins (27.2%) are higher than last year (24.4%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: HCBN's earnings have grown significantly by 20.6% per year over the past 5 years.

Accelerating Growth: HCBN's earnings growth over the past year (24.6%) exceeds its 5-year average (20.6% per year).

Earnings vs Industry: HCBN earnings growth over the past year (24.6%) exceeded the Banks industry -11.8%.

Return on Equity

High ROE: HCBN's Return on Equity (15.2%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/11 20:33
End of Day Share Price	2025/01/03 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

HCB Financial Corp. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution